Start the home
loan process


Get in touch

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Existing customer



What happens next

  • We'll be in touch for more information

    We’ll give you a call or email to chat through your enquiry. If you're wanting to take out a new home loan, we’ll have some initial questions to ask you so we can begin to understand your individual situation. These questions may cover:

    • How many people are borrowing

    • What your income is

    • What savings you have

    • If you have any other loans or debt

    • If you have any dependents

    Once we have all the details and believe we can assist you with a home loan, we’ll set up a time to meet with you. You can meet us in-branch, our Mobile Mortgage Manager can visit you wherever suits, or if you’re not nearby we can complete everything over the phone and/or email.

  • Complete application

    Next, we'll ask you to complete an application form. If you’re keen to get a head start on the process now, below is the additional information you’ll need to provide in order for us to assess your loan application:

    Proof of identity

    • Photo Identification, such as a Driver’s License or Passport
    • Copy of a utilities bill or rates notice no older than three months (with individual or both names) or a bank statement no older than 12 months, to confirm your physical address

    Evidence of your income
    (if your wages aren't deposited directly into a TSB account)

    • Three months of bank statements and your three most recent pay slips, or;
    • If you're self employed, updated financial statements for the last two years

    Existing outgoings

    • Three months of statements for any non-TSB accounts, credit cards, hire purchases, personal loan or home loan facilities and any other Short Term Commitment(s)
  • Get pre-approval

    As soon as we have all the information and signed forms, we’ll submit your application for pre-approval. This process will take up to two business days.

    A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you provide.

    Please note: Our home loan applications are assessed on an individual basis, so some may take longer than two days to go through approval. We’ll keep you informed every step along the way so you know what to expect.



What makes us different


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You're in good company

Experience our award-winning service. Our
customers are at the heart of everything we do.
When you need to chat something over,
you can call us and there will always be a real
person to answer your call.

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We're 100% NZ owned

We're a 100% New Zealand-owned bank and
are proud to have been supporting New
Zealanders and their communities for over
168 years. 



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Bank anywhere, anytime

You can bank with us wherever you are in
New Zealand, even if there's not a physical
branch nearby.





  • Don't forget to read this bit

    1. We’ll match any nationally advertised home loan rate from ANZ, ASB, BNZ or Westpac for the same term and conditions until further notice. The offer only applies to the purchase, refinance from another bank or building of residential owner-occupied properties with an LVR under 80%.  Loans must be contracted during the campaign period and drawn down within 60 days of contracting. TSB’s standard criteria, terms and conditionsand fees apply. Inclusion of loans with special conditions attached is at TSB’s sole discretion. Minimum loan amount of $100,000 applies.  Direct credit of wages or salary is required. All interest rates and offers can be changed or withdrawn at any time without notice. You’ll find a Disclosure Statement at one of our branches or

    2. A minimum deposit of 20% is required for home loan special interest rates and residential loans. TSB’s standard criteria, terms and conditions and fees apply, including clawback of cash contribution if refinanced to another lender within 48 months of drawdown. Inclusion of loans with special conditions attached is at TSB’s sole discretion. All interest rates and offers can be changed or withdrawn at any time without notice.